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New to the House Buying, Selling & Renting board? Start here
✅ This board is for... * Questions about buying or selling a home * Questions about renting a home * Questions about being a landlord 🚫 This board is not for.. * Debating the state of the economy * Debating house prices in general * Political debates Note: In order to help keep the Forum a useful, safe and friendly place…
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Tenancies in Eng/Wales: Guides for landlords and tenants
post 1 This thread is intended to provide information to both landlords and tenants relating to Assured Shorthold Tenancies (ASTs) in England and Wales. Updated April 2020 to include the Coronavirus Act 2020 and July 2020 to include the Electrical Safety Standards Regulations 2020. Topics covered: Post 2: Repairing…
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HSBC asking for bank statement after issuing offer
Hello All, So after a wait of around 6/7 weeks and providing a lot of documentation to our lender HSBC. We finally got the offer on 9th April 2024. But as our initial proposed property was sold to someone else because of the delays with application we had not option but to find another home within 6 months. We did find…
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Seller pulled out...mortgage offer delays HSBC
Hello, Our offer got approved on a property. We applied for the full mortgage, and it has been 3.5 weeks, HSBC has been asking questions and questions. This will be our second home, the first one to go on consent to let. No chain. The seller somehow got frustrated and pulled out of the deal and sold it to another buyer who…
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Fuse box for house is in the garage.
Looking to buy a bungalow hiuse fine but we noticed the fuse box for the bungalow is in the garage and a wire goes across to the bungalow. The garage is detached from the bungalow with a possible asbestos roof. Have put an offer in and going to have a survey Anyone seen similar before. We will get the seller to test for…
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House Sale Dilemma
I have just inherited 50% of my mothers house. I would like to buy out my two younger relatives but my money is locked away until November 2024. My mum suffered from dementia & died aged 95 four months ago. I have been living in her house since 2019, when my plans to travel were curtailed. Instead I became a part-time…
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Accepting lower offer from buyer
Hi all, I’m selling my mum’s house with Lasting Power of attorney to pay for her care home fees. We had three valuations but went with the most conservative (lower) one as we were hoping for a quick sale so priced accordingly and liked the independent agent. Also aware the decor is a bit dated and could do with new carpets…
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Estate agent saying I have to buy through them
I am currently moving house and a while ago I found a property on Rightmove which was listed with two agencies (agent A and agent B) . I didn't care which I used so I picked at random agent A and booked a viewing. I did the viewing, liked the place and then booked a second viewing. At this point I put my house on the…
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neighbors lean to building guttering in our garden
I had an elderly neighbour who sadly she passed away recently leaving property to children who are in the process of selling it. When I brought the property (we did not notice this when we brought it) we discovered later that the guttering to neighbours lean to extension (our fence side) is in our garden and the rain water…
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spray foam loft insulation
Hello all, I've had an offer accepted on a property but the survey has discovered that the whole loft has been insulated with spray foam. I'm a cash buyer so no lender involved, but I've been told that if i was getting a mortgage on the property, it would probably be refused or at least the valuation would be greatly…
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Capital gains tax query
Hello, I'm trying to decipher the capital gains rules and getting super confused so would be grateful for any help in understanding what I would be likely to pay should we choose to sell. I am looking to sell my primary residence next year. So far so simple...HOWEVER I fall into one of the exemptions....Whilst I am a…
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Deed of Gift, or not?
My father passed away, leaving my mum, living in a house they shared plus a second property he inherited 7 years ago, in his sole name.. There is no mortgage and it is rented out. My Mum is the sole executor and beneficiary of his estate. My Mum would like my Brother and I to put the rental property in our names, but she…
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Getting out of a contract early due to relationship breakdown
Hi forum, I am hoping to get an idea of what my options could be in my current situation. I'm in an emotionally abusive relationship that I can't put up with any longer and need to get out. Getting out of the relationship is the easy part, the hard part is the living and contractual situation. We currently rent a house…
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Borrowing against two houses
My Mum (in her mid 70s) and I have our own houses, both mortgage free and currently around the same price, so in affect an house swap - around £200k (we’re up North!). My Mum would like to downsize and move into our house, we want to move as my family have outgrown it and she loves the area/house. We were wondering whether…
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Additional Subsidence report, needed?
Hi everyone, Me and my partner are in the process of buying a house, we are 2 and a half months in, the searches came back fine and the Valuation also done by Halifax, we have our mortgage offer however now sorting buildings &contents insurance we wondered if the "Property has suffered previous movement" on our valuation…
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Leasehold reform and buying freehold now
I'm having some issues with my freeholder as we've uncovered some changes to the floorplan of our flat made by the previous owner may not have been given permission when we came to sell the flat (its a long story but basically the lease plan in the lease we received when buying wasn't clear so we didn't know the plan had…
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Father died leaving two lodgers in his house
I’m really hoping I can get some advice as my fathers solicitor has been unable to advise and I’ve posted elsewhere where I’ve had unhelpful answers very sadly my 79 year old father passed away suddenly at home on weds and he’s left me with a bit of a mess to sort re his house Dad owned his house outright and had two…
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Completion Money Lost From Mortgage Lender
Looking for advice on what to do and who is liable. My mum was due to complete on a house on Monday 15th April. This has still not occurred as of today Wednesday 17th April. As you would gather this is a huge issue causing immense stress to her and her partner, they are currently hopeless and are being told by their…
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Moving house - getting your house ready to sell
Seems an impossible task..... Want to get the house up for sale asap but you see all these photos of other houses with clutter free rooms. Seems a LOT TO DO. We've got a massive storage unit sorted which is one thing. Both of us work full time so not a lot of spare time. Also, due to back problems (I've got a blue badge) I…
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Advice please! How can my partner buy into a property that only I will live in?
New here and hoping for some collective MSE wisdom - I currently rent a property for myself and my 20 year old daughter, in London. We've been there for 12 years and have a very good landlord, who has never increased the rent, but who is now planning to sell in the next year or so. He has offered to sell to us but I can't…
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Service charge increase for repairs.
We live in a block of 12 flats of which are leasehold with a share of freehold. Our building is approx 70 years old and is now in need of some major works/investment.(eg balconies and roof works). We pay a service charge(which has recently been increased) and have a sinking fund but we will clearly not have enough to pay…
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First Time Buyer / Inheritance / Deed of Variation
Hello. I was wondering if someone might be able to help me as I've tried looking online and can't seem to find any clear answers. My partner and I are wanting to get a mortgage to buy our first house. We are both technically first time buyers. However, my Dad died suddenly last year without a will and I have inherited his…